A processing method and device applied to a payment routing system and a storage medium

Abstract

The present disclosure relates to a processing method and device applied to a payment routing system and a storage medium, the payment routing system comprising at least two alternative routes, and each alternative route has different priority, the method comprising: in the case of detecting a transaction payment request, extracting basic transaction information from the transaction payment request; using the basic transaction information to preprocess a payment channel list obtained from a channel service, determining a candidate payment channel from the payment channel list; according to the priority of each alternative route, using the routing rules of each alternative route to perform screening processing on the candidate payment channel in turn, and determining a target payment channel from the candidate payment channel. Through multiple screenings of multiple alternative routes, the determined target payment channel can be more in line with user demand.

Description

Technical Field

[0001] This disclosure relates to the field of internet payment, and in particular to a processing method, apparatus and storage medium for use in a payment routing system. Background Technology

[0002] When users make payments on a transaction platform, merchants display different payment methods at the checkout. There are many common payment methods, and each method connects to a corresponding payment channel. Furthermore, payment institutions connect to multiple upstream payment channels, such as UnionPay and NetsUnion in various regions. In other words, a single payment method can be backed by numerous payment channels.

[0003] Because the capabilities of the payment channels accessed by payment institutions vary, the service capabilities, supported payment methods, stability, and cost of each payment channel will differ. For example, payment channels with high stability will be very expensive, and may not support all payment methods; inexpensive payment channels may have insufficient system stability or low payment success rates; moderately priced payment channels may support fewer banks, or even different banks; and payment channels with moderate stability and good service may not support many payment methods.

[0004] The problem that needs to be solved is how to select the optimal payment channel from among multiple payment options. Summary of the Invention

[0005] To overcome the problems existing in related technologies, this disclosure provides a processing method, apparatus and storage medium for use in a payment routing system.

[0006] According to a first aspect of the present disclosure, a processing method for a payment routing system is provided, the payment routing system including at least two alternative routes, and each of the alternative routes has a different priority, the method comprising:

[0007] Upon detecting a transaction payment request, basic transaction information is extracted from the transaction payment request;

[0008] The basic transaction information is used to preprocess the list of payment channels obtained from the channel service, and candidate payment channels are determined from the list of payment channels;

[0009] According to the priority of each of the candidate routes, the candidate payment channels are filtered sequentially using the routing rules of each of the candidate routes, and the target payment channel is determined from the candidate payment channels.

[0010] In some embodiments, the step of filtering the candidate payment channels according to the priority of each candidate route and sequentially using the routing rules of each candidate route to determine the target payment channel from the candidate payment channels includes:

[0011] If the transaction payment request carries specified channel information, the specified channel information can be extracted from the transaction payment request;

[0012] Based on the specified channel information, a specified route with a first priority is determined from the at least two candidate routes; wherein, the specified route has specified routing rules;

[0013] The candidate payment channels matched according to the specified routing rules will be determined as the target payment channel.

[0014] In some embodiments, determining the candidate payment channels matched according to the specified routing rules as the target payment channel includes:

[0015] The core transaction information in the transaction payment request is compared with the configuration information of the candidate payment channel according to the specified routing rules; wherein the configuration of the specified routing rules uniquely corresponds to the corresponding payment channel.

[0016] If a candidate payment channel exists that matches the core transaction information, then the candidate payment channel that matches the core transaction information will be identified as the target payment channel.

[0017] In some embodiments, the step of filtering the candidate payment channels according to the priority of each candidate route and sequentially using the routing rules of each candidate route to determine the target payment channel from the candidate payment channels includes:

[0018] The specified route does not exist among the at least two alternative routes, or

[0019] If the specified route exists among the at least two candidate routes, but the target payment channel is not matched based on the specified route rule, then a basic route with a second priority is determined from the at least two candidate routes; wherein the basic route has basic route rules, and the second priority is lower than the first priority;

[0020] If there is only one candidate payment channel that matches the basic routing rule, then the candidate payment channel that matches the basic routing rule will be determined as the target payment channel.

[0021] In some embodiments, the step of filtering the candidate payment channels according to the priority of each candidate route and sequentially using the routing rules of each candidate route to determine the target payment channel from the candidate payment channels includes:

[0022] If there are at least two candidate payment channels that match the basic routing rules, then a combined route with a third priority is determined from the at least two candidate routes; wherein the combined route has a combined routing rule, and the third priority is lower than the second priority;

[0023] A candidate payment channel set is generated based on at least two candidate payment channels that match the basic routing rules.

[0024] The candidate payment channels matched from the candidate payment channel set according to the combined routing rules are determined as the target payment channels.

[0025] In some embodiments, the method further includes:

[0026] If at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules, the preset priorities of the at least two candidate payment channels matched according to the combined routing rules are sorted to obtain a sorting result; wherein, the preset priority of the candidate payment channel is determined based on the stability rate and / or payment success rate of the candidate payment channel;

[0027] Based on the sorting results, the target payment channel is determined.

[0028] In some embodiments, the method further includes:

[0029] The core transaction information in the transaction payment request is compared with the configuration information of each candidate payment channel according to the basic routing rules to obtain the weight score corresponding to each candidate payment channel.

[0030] The weight scores corresponding to each candidate payment channel are compared and processed, and the number of candidate payment channels that match the basic routing rules is determined based on the comparison results.

[0031] According to a second aspect of the present disclosure, a processing apparatus for a payment routing system is provided, the payment routing system including at least two alternative routes, each of the alternative routes having a different priority, the apparatus comprising:

[0032] The information extraction module is configured to extract basic transaction information from the transaction payment request when a transaction payment request is detected.

[0033] The preprocessing module is configured to preprocess the list of payment channels obtained from the channel service using the basic transaction information, and to determine candidate payment channels from the list of payment channels;

[0034] The filtering module is configured to filter the candidate payment channels according to the priority of each candidate route and the routing rules of each candidate route in turn, and determine the target payment channel from the candidate payment channels.

[0035] In some embodiments, the filtering module is configured as follows:

[0036] If the transaction payment request carries specified channel information, the specified channel information can be extracted from the transaction payment request;

[0037] Based on the specified channel information, a specified route with a first priority is determined from the at least two candidate routes; wherein, the specified route has specified routing rules;

[0038] The candidate payment channels matched according to the specified routing rules will be determined as the target payment channel.

[0039] In some embodiments, the filtering module is configured as follows:

[0040] The core transaction information in the transaction payment request is compared with the configuration information of the candidate payment channel according to the specified routing rules; wherein the configuration of the specified routing rules uniquely corresponds to the corresponding payment channel.

[0041] If a candidate payment channel exists that matches the core transaction information, then the candidate payment channel that matches the core transaction information will be identified as the target payment channel.

[0042] In some embodiments, the filtering module is configured as follows:

[0043] The specified route does not exist among the at least two alternative routes, or

[0044] If the specified route exists among the at least two candidate routes, but the target payment channel is not matched based on the specified route rule, then a basic route with a second priority is determined from the at least two candidate routes; wherein the basic route has basic route rules, and the second priority is lower than the first priority;

[0045] If there is only one candidate payment channel that matches the basic routing rule, then the candidate payment channel that matches the basic routing rule will be determined as the target payment channel.

[0046] In some embodiments, the filtering module is configured as follows:

[0047] If there are at least two candidate payment channels that match the basic routing rules, then a combined route with a third priority is determined from the at least two candidate routes; wherein the combined route has a combined routing rule, and the third priority is lower than the second priority;

[0048] A candidate payment channel set is generated based on at least two candidate payment channels that match the basic routing rules.

[0049] The candidate payment channels matched from the candidate payment channel set according to the combined routing rules are determined as the target payment channels.

[0050] In some embodiments, the apparatus further includes:

[0051] The sorting module is configured to sort the at least two candidate payment channels matched from the candidate payment channel set according to the combined routing rules by a preset priority, and obtain a sorting result, when at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules; wherein, the preset priority of the candidate payment channels is determined based on the stability rate and / or payment success rate of the candidate payment channels;

[0052] The determination module is configured to determine the target payment channel based on the sorting results.

[0053] In some embodiments, the apparatus further includes:

[0054] The comparison module is configured to compare the core transaction information in the transaction payment request with the configuration information of each candidate payment channel according to the basic routing rules, so as to obtain the weight score corresponding to each candidate payment channel.

[0055] The comparison module is configured to compare the weight scores corresponding to each of the candidate payment channels and determine the number of candidate payment channels that match the basic routing rules based on the comparison results.

[0056] According to a third aspect of the present disclosure, a processing apparatus for a payment routing system is provided, comprising:

[0057] processor;

[0058] Memory used to store processor-executable instructions;

[0059] The processor is configured to, when executing, implement any of the steps in the processing method applied to the payment routing system in the first aspect described above.

[0060] According to a fourth aspect of the present disclosure, a non-transitory computer-readable storage medium is provided, wherein when instructions in the storage medium are executed by a processor of a processing apparatus applied to a payment routing system, the apparatus is enabled to perform the steps of any of the processing methods applied to a payment routing system described in the first aspect.

[0061] The technical solutions provided by the embodiments of this disclosure may include the following beneficial effects:

[0062] This disclosure provides a processing method for a payment routing system. When a transaction payment request is detected, basic transaction information can be extracted from the transaction payment request. The basic transaction information is used to preprocess a list of payment channels obtained from a channel service. Candidate payment channels are determined from the list of payment channels. Then, according to the priority of each candidate route, the routing rules of each candidate route are used to filter the candidate payment channels in turn to determine the target payment channel from the candidate payment channels.

[0063] This disclosure sets at least two alternative routes in the payment routing system, with each alternative route having a different priority. After preprocessing the payment channel list obtained from the channel service using basic transaction information, the candidate payment channels determined from the payment channel list are filtered in multiple layers using routing rules of multiple alternative routes. This multi-layered filtering makes the determined target payment channels more in line with user needs.

[0064] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure. Attached Figure Description

[0065] The accompanying drawings, which are incorporated in and form a part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure.

[0066] Figure 1 This is a flowchart illustrating a processing method applied to a payment routing system according to an exemplary embodiment. Figure 1 ;

[0067] Figure 2 This is an interactive schematic diagram of a payment routing system according to an exemplary embodiment;

[0068] Figure 3 This is a flowchart illustrating a processing method applied to a payment routing system according to an exemplary embodiment. Figure 2 ;

[0069] Figure 4 This is a block diagram of a processing apparatus applied to a payment routing system according to an exemplary embodiment;

[0070] Figure 5 This is a hardware structure block diagram of a processing device applied to a payment routing system according to an exemplary embodiment. Detailed Implementation

[0071] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numerals in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this disclosure. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this disclosure as detailed in the appended claims.

[0072] Figure 1 This is a flowchart illustrating a processing method applied to a payment routing system according to an exemplary embodiment. Figure 1 ,like Figure 1 As shown, the payment routing system includes at least two alternative routes, and each alternative route has a different priority. The method mainly includes the following steps:

[0073] In step 101, if a transaction payment request is detected, basic transaction information is extracted from the transaction payment request;

[0074] In step 102, the payment channel list obtained from the channel service is preprocessed using the basic transaction information, and candidate payment channels are determined from the payment channel list;

[0075] In step 103, the candidate payment channels are filtered sequentially using the routing rules of each candidate route according to their priority, and the target payment channel is determined from the candidate payment channels.

[0076] It should be noted that the payment routing system can be a pre-configured rule engine. This rule engine stores and parses the configuration information of the payment routes, which can be used to select payment channels. For example, it can select the optimal payment channel from multiple payment channels. In some embodiments, multiple payment routes can be set up in the payment routing system, and routing rules can be configured for each payment route. The payment routes can match the corresponding payment channels (also called payment channels) according to the routing rules, where the routing rules can be selection algorithms supported by the payment routing engine.

[0077] In this embodiment, the payment routing system may include at least two alternative routes, each with a different priority. The priority of each alternative route can be pre-set, and the routing rules corresponding to alternative routes with different priorities are also different. This means that the priority of each alternative route can be determined based on the routing rules corresponding to that route, or it can be manually defined. For example, the at least two alternative routes may include: a basic route, a combined route, and a designated route (also known as an independent route). The designated route has a higher priority than the combined route, and the combined route has a higher priority than the basic route.

[0078] In some embodiments, the payment routing system can determine whether a transaction payment request has been detected. Here, the transaction payment request can be a request triggered by a payment platform, indicating that a transaction requiring payment has occurred. The payment platform can be the business system that initiated the transaction payment request. For example, when the payment platform receives a payment operation to trigger a transaction payment, it can send a transaction payment request to the payment routing system. When the payment routing system receives the transaction payment request, it can extract basic transaction information from the transaction payment request.

[0079] Here, basic transaction information may include: information generated when a payment operation triggers the transaction, and may include basic information related to the transaction, such as: transaction amount, transaction type, card type, merchant's industry, etc. When the payment platform detects a payment operation, it can generate a transaction payment request based on the basic transaction information and send the request to the payment routing system. After receiving the transaction payment request, the payment routing system can extract the basic transaction information from it.

[0080] As shown in Table 1, Table 1 contains basic transaction information disclosed in this disclosure. An example of the content of this basic transaction information is as follows:

[0081] Table 1 Basic Transaction Information

[0082] Transaction amount 25000 Transaction type Pre-authorization Card type debit card Merchant's Industry 7011 (Hotel)

[0083] As shown in Table 1, the transaction amount for this transaction is 25,000; the transaction type is pre-authorization; the card type is debit card; and the merchant's industry is 7011 (hotel).

[0084] In this embodiment, after the payment routing system receives a transaction payment request and successfully extracts the basic transaction information, it can obtain a payment channel list from the channel service. After obtaining the payment channel list from the channel service, the payment routing system can preprocess the payment channel list using the basic transaction information and determine candidate payment channels from the list. Here, the channel service can be a service used to manage information related to the actually accessed payment channels and to interact with external payment channels via data flow. The payment channel list contains multiple pre-stored payment channels.

[0085] For example, the various preset payment channels in the payment channel list can be filtered based on the basic parameters in the basic transaction information. Another example is comparing the basic parameters in the basic transaction information with the configuration information of each preset payment channel, and identifying preset payment channels that match the basic transaction information as candidate payment channels.

[0086] The configuration information for a preset payment channel can be information related to the configurations supported by that preset payment channel. For example, the basic transaction information includes the transaction type as "pre-authorization" and the card type as "debit card." The configuration information for preset payment channel A includes the transaction type as "pre-authorization" and the card type as "debit card." The configuration information for preset payment channel B includes the transaction type as "pre-authorization" and the card type as "savings card." By comparing the basic transaction information with the configuration information for preset payment channel A and preset payment channel B respectively, it can be determined that preset payment channel A is the preset payment channel that matches the basic transaction information. In this case, preset payment channel A can be identified as a candidate payment channel.

[0087] The above is an example illustrating how to preprocess a list of payment channels using basic transaction information to determine candidate payment channels. In some embodiments, multiple candidate payment channels can be determined; that is, the payment channel list may contain multiple preset payment channels that match the basic transaction information.

[0088] In this embodiment of the disclosure, after the candidate payment channels are determined, the candidate payment channels can be filtered according to the priority of each alternative route and the routing rules of each alternative route can be used in turn to determine the target payment channel from the candidate payment channels.

[0089] Here, the process of filtering candidate payment channels according to the priority of each alternative route and using the routing rules of each alternative route in turn can include: using a round-robin approach, firstly using the routing rules of the alternative route with the highest priority to filter the candidate payment channels to obtain a first candidate set, wherein the first candidate set includes: the candidate payment channels remaining after filtering the original candidate payment channels; then using the routing rules of the alternative route with the second highest priority to filter the first candidate set to obtain a second candidate set, wherein the second candidate set includes: the candidate payment channels remaining after filtering the first candidate set; finally using the routing rules of the alternative route with the lowest priority to filter the second candidate set to obtain the target payment channel.

[0090] In this selection process, there can be at least one of the highest-priority alternative routes, the second-highest-priority alternative routes, and the lowest-priority alternative routes. When there are multiple highest-priority alternative routes, they can have the same priority. During the filtering process, each highest-priority alternative route can be randomly selected to filter the original candidate payment channels until all the highest-priority alternative routes have completed the filtering of the original candidate payment channels, and then the first candidate set is generated.

[0091] When there are multiple candidate routes with the second-highest priority, their priorities can be the same or different. Taking the case where all candidate routes have the same priority, during the filtering process, each candidate route can be randomly selected to filter the first candidate set until all candidate routes have completed the filtering of the original candidate payment channels, and then a second candidate set is generated. Taking the case where the candidate routes have different priorities, during the filtering process, the candidate routes can be sorted in descending order of priority, and then the first candidate set can be filtered sequentially until all candidate routes have completed the filtering of the original candidate payment channels, and then a second candidate set is generated.

[0092] When there are multiple candidate routes with the lowest priority, the priority of each candidate route with the lowest priority can be the same. During the filtering process, each candidate route with the lowest priority can be randomly selected to filter the original candidate payment channels until each candidate route with the lowest priority has completed the filtering of the second candidate set and the target payment channel is obtained.

[0093] In this embodiment of the disclosure, at least two alternative routes are set in the payment routing system, and the priority of each alternative route is different. After preprocessing the payment channel list obtained from the channel service using basic transaction information, the candidate payment channels determined from the payment channel list are filtered in multiple layers through the routing rules of multiple alternative routes. Through multiple layers of filtering, the determined target payment channels can better meet the user's needs.

[0094] In some embodiments, the step of filtering the candidate payment channels according to the priority of each candidate route and sequentially using the routing rules of each candidate route to determine the target payment channel from the candidate payment channels includes:

[0095] If the transaction payment request carries specified channel information, the specified channel information can be extracted from the transaction payment request;

[0096] Based on the specified channel information, a specified route with a first priority is determined from the at least two candidate routes; wherein, the specified route has specified routing rules;

[0097] The candidate payment channels matched according to the specified routing rules will be determined as the target payment channel.

[0098] In this embodiment of the disclosure, after the payment routing system receives a transaction payment request, it can parse the transaction payment request to determine whether it carries specified channel information. If it is determined that the transaction payment request carries specified channel information, the specified channel information can be extracted from the transaction payment request. Here, the specified content in the specified channel information may include: a user identifier (also known as a user ID), used to identify the user who initiated the transaction payment request. For example, it may include: a merchant identifier, which can be represented by a merchant number.

[0099] After extracting the specified channel information, a specified route with first priority can be determined from at least two candidate routes based on the specified channel information. In some embodiments, a route identifier can be set for each candidate route. After obtaining the specified channel information, the specified content carried by the specified channel information can be compared with the route identifiers of each candidate route, and the candidate route whose route identifier matches the specified content can be determined as the specified route.

[0100] Taking a user identifier as an example, in some embodiments, a mapping relationship between each user identifier and a route identifier can be pre-set. During the route selection process, the user identifier parsed from the specified channel information can be compared with each route identifier to determine whether the user identifier and each route identifier satisfy the preset mapping relationship. The candidate route corresponding to the route identifier that satisfies the preset mapping relationship is then determined as the specified route. Here, the user identifier may include the merchant number. Taking the user identifier (e.g., merchant number) as M-1 as an example, if the route identifier of the candidate route is M-1-direct connection priority, then it can be determined that the user identifier and the route identifier satisfy the preset mapping relationship.

[0101] If it is determined that a specified route with first priority exists among at least two alternative routes, the candidate payment channel matched according to the specified routing rules can be determined as the target payment channel. Here, first priority can be the highest priority. It can be understood that in this embodiment of the disclosure, it can be preferentially determined whether there is a candidate route with the highest priority among the alternative routes, and the matching of payment channels can be preferentially based on the candidate route with the highest priority. In this way, the efficiency of determining a high-quality target payment channel can be improved.

[0102] In some embodiments, determining the candidate payment channels matched according to the specified routing rules as the target payment channel includes:

[0103] The core transaction information in the transaction payment request is compared with the configuration information of the candidate payment channel according to the specified routing rules; wherein the configuration of the specified routing rules uniquely corresponds to the corresponding payment channel.

[0104] If a candidate payment channel exists that matches the core transaction information, then the candidate payment channel that matches the core transaction information will be identified as the target payment channel.

[0105] Here, core transaction information may include information generated when a payment operation triggers the transaction, and may include core information related to this transaction. For example, it may include: merchant ID, transaction amount, transaction type, and card type. When the payment routing system needs to match payment channels, it can extract core transaction information from the transaction payment request. In some embodiments, the content of core transaction information and basic transaction information may be partially the same.

[0106] In some embodiments, assuming there are three candidate payment channels, namely payment channel A, payment channel B and payment channel C, if the merchant is matched with a specified route and payment channel A matches the core transaction information, payment channel A configured with the specified route can be used as the target payment channel.

[0107] As shown in Table 2, Table 2 presents a type of core transaction information disclosed in this disclosure. An example of this core transaction information is as follows:

[0108] Table 2 Core Transaction Information

[0109] Merchant ID M-00000001 Transaction amount 300 Transaction type Consumption Card type Credit Card

[0110] As shown in Table 2, the merchant number for this transaction is: M-00000001; the transaction amount is: 300; the transaction type is: consumption; and the card type is: credit card.

[0111] After obtaining the core transaction information from the payment request, it can be compared with the configuration information of candidate payment channels according to the specified routing rules. If the comparison result determines that a candidate payment channel matches the core transaction information, then the candidate payment channel matching the core transaction information is determined as the target payment channel. Here, the configuration information of the candidate payment channel may include: the payment methods supported by the candidate payment channel, routing rules, matching rules, and matching conditions, etc. As shown in Table 3, Table 3 shows the configuration information of a candidate payment channel matching the core transaction information disclosed in this disclosure. An example of this configuration information is as follows:

[0112] Table 3. Configuration information of candidate payment channels matching core transaction information.

[0113]

[0114] In this embodiment of the disclosure, a designated route can be configured separately for specific scenarios on top of the alternative routes with lower priority. For example, if merchant M-00000001 and Bank X are currently engaged in a large-scale subsidy marketing campaign, and the merchant wishes to use Bank X's payment channel for payment, a designated route can be configured for this merchant. This allows for prioritizing the existence of a highest-priority alternative route among the alternative routes, and prioritizing the matching of payment channels based on the highest-priority alternative route, thereby improving the efficiency of identifying a high-quality target payment channel.

[0115] In some embodiments, the step of filtering the candidate payment channels according to the priority of each candidate route and sequentially using the routing rules of each candidate route to determine the target payment channel from the candidate payment channels includes:

[0116] The specified route does not exist among the at least two alternative routes, or

[0117] If the specified route exists among the at least two candidate routes, but the target payment channel is not matched based on the specified route rule, then a basic route with a second priority is determined from the at least two candidate routes; wherein the basic route has basic route rules, and the second priority is lower than the first priority;

[0118] If there is only one candidate payment channel that matches the basic routing rule, then the candidate payment channel that matches the basic routing rule will be determined as the target payment channel.

[0119] In this embodiment of the disclosure, if the specified route does not exist among at least two alternative routes, a base route with second priority can be determined from the at least two alternative routes. Similarly, if the specified route exists among at least two alternative routes, but no target payment channel is matched based on the specified route rules, a base route with second priority can also be determined from the at least two alternative routes.

[0120] The basic route has a second priority, which is lower than the first priority. The basic route can match available payment channels based on the configured basic routing rules, which can be configured according to different attributes of the payment channel. For example, different payment channels can be configured with different routing scores based on transaction amount, card type, transaction type, and industry type.

[0121] For example, after preprocessing the list of payment channels obtained from the channel service using the basic transaction information in Table 1, two candidate payment channels can be identified: Payment Channel A and Payment Channel B. That is, after filtering basic transaction information such as transaction amount and card type, two usable payment channels are matched: Payment Channel A and Payment Channel B. At this point, basic routing rules need to be matched between Payment Channel A and Payment Channel B.

[0122] As shown in Table 4, Table 4 contains configuration information for payment channel A and payment channel B as disclosed in this disclosure. An example of the configuration information is as follows:

[0123] Table 4 Configuration information for Payment Channel A and Payment Channel B

[0124]

[0125] In some embodiments, the method further includes:

[0126] The core transaction information in the transaction payment request is compared with the configuration information of each candidate payment channel according to the basic routing rules to obtain the weight score corresponding to each candidate payment channel.

[0127] The weight scores corresponding to each candidate payment channel are compared and processed, and the number of candidate payment channels that match the basic routing rules is determined based on the comparison results.

[0128] Here, the core transaction information in the payment request is compared with the configuration information of the candidate payment channels according to the basic routing rules to obtain the weight score corresponding to each candidate payment channel. The weight score of a payment channel can be the sum of the routing scores corresponding to each transaction within that payment channel. For example, after comparing the basic transaction information in Table 1 with the configuration information of the candidate payment channels in Table 4 according to the basic routing rules, the weight score of payment channel A is 20, and the weight score of payment channel B is 7. After comparing the weight scores, payment channel A can be selected as the target payment channel.

[0129] As shown in Table 5, Table 5 presents a weighted scoring system for payment channel A and payment channel B as disclosed in this disclosure. An example of this weighted scoring system is as follows:

[0130] Table 5 Weighted Scores of Payment Channel A and Payment Channel B

[0131] payment channels Weighted scoring A 20 B 7

[0132] In some embodiments, since multiple candidate payment channels may have the same weight score, for example, payment channel A and payment channel B may both have a weight score of 20, the number of candidate payment channels matching the basic routing rule is two. In this embodiment of the disclosure, when there is only one candidate payment channel matching the basic routing rule, the candidate payment channel that matches the basic routing rule is directly identified as the target payment channel, which simplifies the process of selecting a payment channel while determining the optimal payment channel.

[0133] In some embodiments, the step of filtering the candidate payment channels according to the priority of each candidate route and sequentially using the routing rules of each candidate route to determine the target payment channel from the candidate payment channels includes:

[0134] If there are at least two candidate payment channels that match the basic routing rules, then a combined route with a third priority is determined from the at least two candidate routes; wherein the combined route has a combined routing rule, and the third priority is lower than the second priority;

[0135] A candidate payment channel set is generated based on at least two candidate payment channels that match the basic routing rules.

[0136] The candidate payment channels matched from the candidate payment channel set according to the combined routing rules are determined as the target payment channels.

[0137] In some embodiments, since there may be scenarios where multiple candidate payment channels have the same weight score, in such scenarios, a combined route with a third priority can be determined from at least two alternative routes. A set of candidate payment channels is generated based on at least two candidate payment channels that match the basic routing rules. The candidate payment channel matched from the set of candidate payment channels according to the combined routing rules is determined as the target payment channel.

[0138] Among them, combined routing has combined routing rules, and the third priority is lower than the second priority. Combined routing can match available payment channels according to the configured combined routing rules. For example, combined routing rules can be obtained by grouping and merging payment channels based on routing rules such as payment success rate, cost rate, and payment process priority, and the target payment channel can be selected according to the combined routing rules.

[0139] Assuming the same transaction request has two candidate payment channels, payment channel C and payment channel D, both matching the basic routing rules and having the same weight score, then group routing filtering is required. For example, if the first condition for a group routing rule is [card type - large amount - high success rate], then the group routing rule is configured to prioritize the payment with the higher success rate. Table 6 shows one example of a group routing rule disclosed in this disclosure, with an example content as follows:

[0140] Table 6 Packet Routing Rules

[0141]

[0142] For example, if there are two candidate payment channels matching the basic routing rules, that is, two candidate payment channels in the candidate payment channel set, namely payment channel C and payment channel D, then it is necessary to match the combined routing rules between payment channel C and payment channel D. As shown in Table 7, Table 7 shows the configuration information for payment channel C and payment channel D as disclosed in this disclosure. An example of the configuration information is as follows:

[0143] Table 7 Configuration information for payment channel C and payment channel D

[0144] payment channels Limit range Cost rate Payment success rate C 1-100000 0.03 0.93 D 1-100000 0.02 0.91

[0145] In some embodiments, the payment success rates of each candidate payment channel in the candidate payment channel set can be compared according to the combined routing rules, and the candidate payment channel with the higher payment success rate can be selected as the target payment channel. As shown in Table 7, the payment success rates of payment channel C and payment channel D can be compared. Since payment channel A has a higher payment success rate, payment channel A can be selected as the target payment channel.

[0146] In this embodiment of the disclosure, when multiple candidate payment channels have the same weight score, a combined route with a third priority can be determined from at least two alternative routes, and a target payment channel can be determined from the multiple candidate payment channels with the same weight score according to the combined route rules. Compared to randomly determining the target payment channel from multiple candidate payment channels with the same weight score, the accuracy of the determined target payment channel can be improved.

[0147] In some embodiments, the method further includes:

[0148] If at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules, the preset priorities of the at least two candidate payment channels matched according to the combined routing rules are sorted to obtain a sorting result; wherein, the preset priority of the candidate payment channel is determined based on the stability rate and / or payment success rate of the candidate payment channel;

[0149] Based on the sorting results, the target payment channel is determined.

[0150] In some embodiments, when at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules, the preset priorities of the at least two candidate payment channels matched according to the combined routing rules can be sorted to obtain a sorting result; and the target payment channel is determined according to the sorting result; wherein, the preset priority of the candidate payment channel is determined based on the stability rate and / or payment success rate of the candidate payment channel.

[0151] Here, the stability rate and / or payment success rate of a payment channel can be positively correlated with its preset priority. For example, the higher the stability rate and / or payment success rate of a payment channel, the higher its preset priority; conversely, the lower the stability rate and / or payment success rate, the lower its preset priority. The stability rate and / or payment success rate of a candidate payment channel can be determined based on its historical payment information.

[0152] In some embodiments, the payment success rate can be weighted based on a first weighting coefficient to obtain a first weighted value, and the stability rate can be weighted based on a second weighting coefficient to obtain a second weighted value. A preset priority is then obtained based on the sum of the first and second weighted values. The formula for calculating the preset priority can be as follows:

[0153] P = v*w1 + s*w2 (1)

[0154] In formula (1), P represents the preset priority, v represents the payment success rate, w1 represents the first weighting coefficient, s represents the stability rate, and w2 represents the second weighting coefficient. The first and second weighting coefficients can be set as needed; for example, the first weighting coefficient can be 0.6, and the second weighting coefficient can be 0.4, etc.

[0155] Assuming that at least two candidate payment channels still meet the rules after group routing matching, these at least two candidate payment channels can be sorted according to a preset priority, and the candidate payment channel with the highest preset priority can be determined as the target payment channel. As shown in Table 8, Table 8 is an example of a preset priority disclosed in this disclosure, and the example content of this preset priority is as follows:

[0156] Table 8 Preset Priority

[0157] payment channels Limit range Supported transaction types Payment success rate Preset priority E 1-100000 Consumption, pre-authorization 0.93 11 F 1-1000 Consumption 0.91 10 G 500-200000 Pre-authorization 0.93 12

[0158] As shown in Table 8, payment channel E and payment channel G have the same payment success rate, but the preset priority of payment channel E is 11 and the preset priority of payment channel G is 12. In this case, payment channel G can be determined as the target payment channel.

[0159] In this embodiment of the disclosure, when at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules, the preset priorities of these at least two candidate payment channels can be sorted, and the target payment channel can be determined based on the sorting result. Since the preset priority of the candidate payment channel is determined based on the stability rate and / or payment success rate of the candidate payment channel, by associating the preset priority with the stability rate and / or payment success rate of the candidate payment channel, the stability rate and / or payment success rate of the determined target payment channel can be guaranteed.

[0160] Figure 2 This is an interactive schematic diagram of a payment routing system according to an exemplary embodiment, such as... Figure 2As shown, the payment platform 201 can send a transaction payment request to the payment routing system 202. After receiving the transaction payment request, the payment routing system 202 can extract basic transaction information from the transaction payment request and send the basic transaction information to the channel service 203. The channel service 203 can verify the basic transaction information. If the verification is successful, the payment channel list is returned to the payment routing system 202. After obtaining the payment channel list, the payment routing system 202 can preprocess the payment channel list based on the basic transaction information, determine candidate payment channels from the payment channel list, and determine whether a specified route exists. If no specified route exists, it determines whether a basic route exists, filters payment channels through the basic route, and determines whether multiple payment channels still exist after the basic route filtering. If multiple payment channels still exist after the basic route filtering, it determines the channel cost (e.g., payment success rate) of each payment channel, filters the target payment channel through grouped routing, and returns the target payment channel and related element information to the payment platform 201.

[0161] In other embodiments, if multiple payment channels exist after basic route filtering, the target payment channel can be determined based on the channel cost of each payment channel. For example, the candidate payment channel with the lowest channel cost can be selected as the target payment channel. The channel cost of the payment channel can be determined based on multiple parameters, such as a preset weight value, payment amount, transaction fee, currency exchange fee, and payment success rate. The formula for calculating the channel cost can be as follows:

[0162] M=w*[0.7(pc) / p+0.3(pr) / p]+v*w (2)

[0163] In formula (2), M represents channel cost, w represents preset weight value, p represents payment amount, c represents handling fee, r represents currency exchange fee, and v represents payment success rate.

[0164] Figure 3 This is a flowchart illustrating a processing method applied to a payment routing system according to an exemplary embodiment. Figure 2 ,like Figure 3 As shown, the method mainly includes the following steps:

[0165] In step 301, it is determined whether the specified route exists.

[0166] In this embodiment of the disclosure, after the payment routing system receives a transaction payment request, it can parse the transaction payment request to determine whether the transaction payment request carries specified channel information. If it is determined that the transaction payment request carries specified channel information, the specified channel information can be extracted from the transaction payment request. After extracting the specified channel information, a specified route with first priority can be determined from at least two alternative routes based on the specified channel information.

[0167] In step 302, candidate payment channels are matched according to the specified routing rules.

[0168] Here, if it is determined that there is a specified route with the first priority among at least two alternative routes, candidate payment channels can be matched according to the specified routing rules.

[0169] In step 303, it is determined whether there are candidate payment channels that match the core transaction information.

[0170] Here, core transaction information can include information generated when the payment operation triggers the transaction, including key information related to the transaction. For example, it may include merchant ID, transaction amount, transaction type, and card type. When the payment routing system needs to match payment channels, it can extract core transaction information from the transaction payment request.

[0171] Here, if a candidate payment channel exists that matches the core transaction information, that candidate payment channel is identified as the target payment channel, and the target payment channel is returned.

[0172] After obtaining the core transaction information from the transaction payment request, it can be compared with the configuration information of the candidate payment channels according to the specified routing rules. If it is determined from the comparison results that there is a candidate payment channel that matches the core transaction information, then the candidate payment channel that matches the core transaction information will be determined as the target payment channel.

[0173] In step 304, if no candidate payment channel matches the core transaction information, it is determined whether a basic route exists.

[0174] In step 305, if a basic route exists, candidate payment channels are matched based on the basic route rules.

[0175] Here, in the absence of a basic route, it is determined that there is no available payment channel.

[0176] In step 306, it is determined whether there is a candidate payment channel that matches the basic routing rules.

[0177] Here, if there is only one candidate payment channel that matches the basic routing rule, then the candidate payment channel that matches the basic routing rule will be identified as the target payment channel and the target payment channel will be returned.

[0178] In step 307, candidate payment channels are matched based on combined routing rules.

[0179] Here, when there are at least two candidate payment channels that match the basic routing rules, candidate payment channels are matched based on the combined routing rules.

[0180] In step 308, it is determined whether there is a single candidate payment channel that matches the combined routing rule.

[0181] In step 309, the candidate payment channel with the highest preset priority is selected as the target payment channel.

[0182] Here, if at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules, the preset priorities of the at least two candidate payment channels matched according to the combined routing rules are sorted to obtain a sorting result; based on the sorting result, the target payment channel is determined. For example, the candidate payment channel with the highest preset priority can be selected as the target payment channel, and the target payment channel is returned.

[0183] If there is only one candidate payment channel that matches the combined routing rule, then the candidate payment channel that matches the combined routing rule will be identified as the target payment channel and the target payment channel will be returned.

[0184] This disclosure provides a processing method for a payment routing system. When a transaction payment request is detected, basic transaction information can be extracted from the transaction payment request. The basic transaction information is used to preprocess a list of payment channels obtained from a channel service. Candidate payment channels are determined from the list of payment channels. Then, according to the priority of each candidate route, the routing rules of each candidate route are used to filter the candidate payment channels in turn to determine the target payment channel from the candidate payment channels.

[0185] This disclosure sets at least two alternative routes in the payment routing system, with each alternative route having a different priority. After preprocessing the payment channel list obtained from the channel service using basic transaction information, the candidate payment channels determined from the payment channel list are filtered in multiple layers using routing rules of multiple alternative routes. This multi-layered filtering makes the determined target payment channels more in line with user needs.

[0186] Figure 4This is a block diagram illustrating a processing apparatus applied to a payment routing system according to an exemplary embodiment. The payment routing system includes at least two alternative routes, and each of the alternative routes has a different priority, such as... Figure 4 As shown, the processing device 40 mainly includes:

[0187] Information extraction module 41 is configured to extract basic transaction information from the transaction payment request when a transaction payment request is detected;

[0188] Preprocessing module 42 is configured to preprocess the payment channel list obtained from the channel service using the basic transaction information, and determine candidate payment channels from the payment channel list;

[0189] The filtering module 43 is configured to filter the candidate payment channels according to the priority of each of the candidate routes and the routing rules of each of the candidate routes in turn, and determine the target payment channel from the candidate payment channels.

[0190] In some embodiments, the filtering module 43 is configured as follows:

[0191] If the transaction payment request carries specified channel information, the specified channel information can be extracted from the transaction payment request;

[0192] Based on the specified channel information, a specified route with a first priority is determined from the at least two candidate routes; wherein, the specified route has specified routing rules;

[0193] The candidate payment channels matched according to the specified routing rules will be determined as the target payment channel.

[0194] In some embodiments, the filtering module 43 is configured as follows:

[0195] The core transaction information in the transaction payment request is compared with the configuration information of the candidate payment channel according to the specified routing rules; wherein the configuration of the specified routing rules uniquely corresponds to the corresponding payment channel.

[0196] If a candidate payment channel exists that matches the core transaction information, then the candidate payment channel that matches the core transaction information will be identified as the target payment channel.

[0197] In some embodiments, the filtering module 43 is configured as follows:

[0198] The specified route does not exist among the at least two alternative routes, or

[0199] If the specified route exists among the at least two candidate routes, but the target payment channel is not matched based on the specified route rule, then a basic route with a second priority is determined from the at least two candidate routes; wherein the basic route has basic route rules, and the second priority is lower than the first priority;

[0200] If there is only one candidate payment channel that matches the basic routing rule, then the candidate payment channel that matches the basic routing rule will be determined as the target payment channel.

[0201] In some embodiments, the filtering module 43 is configured as follows:

[0202] If there are at least two candidate payment channels that match the basic routing rules, then a combined route with a third priority is determined from the at least two candidate routes; wherein the combined route has a combined routing rule, and the third priority is lower than the second priority;

[0203] A candidate payment channel set is generated based on at least two candidate payment channels that match the basic routing rules.

[0204] The candidate payment channels matched from the candidate payment channel set according to the combined routing rules are determined as the target payment channels.

[0205] In some embodiments, the device 40 further includes:

[0206] The sorting module is configured to sort the at least two candidate payment channels matched from the candidate payment channel set according to the combined routing rules by a preset priority, and obtain a sorting result, when at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules; wherein, the preset priority of the candidate payment channels is determined based on the stability rate and / or payment success rate of the candidate payment channels;

[0207] The determination module is configured to determine the target payment channel based on the sorting results.

[0208] In some embodiments, the device 40 further includes:

[0209] The comparison module is configured to compare the core transaction information in the transaction payment request with the configuration information of each candidate payment channel according to the basic routing rules, so as to obtain the weight score corresponding to each candidate payment channel.

[0210] The comparison module is configured to compare the weight scores corresponding to each of the candidate payment channels and determine the number of candidate payment channels that match the basic routing rules based on the comparison results.

[0211] Figure 5 This is a hardware structure block diagram illustrating a processing device applied to a payment routing system according to an exemplary embodiment. For example, device 400 may be a mobile phone, computer, digital broadcasting terminal, messaging device, game console, tablet device, medical device, fitness equipment, personal digital assistant, etc.

[0212] Reference Figure 5 The device 400 may include one or more of the following components: processing component 402, memory 404, power supply component 406, multimedia component 408, audio component 410, input / output (I / O) interface 412, sensor component 414, and communication component 416.

[0213] Processing component 402 typically controls the overall operation of device 400, such as operations associated with display, telephone calls, data communication, camera operation, and recording. Processing component 402 may include one or more processors 420 to execute instructions to perform all or part of the steps of the methods described above. Furthermore, processing component 402 may include one or more modules to facilitate interaction between processing component 402 and other components. For example, processing component 402 may include a multimedia module to facilitate interaction between multimedia component 408 and processing component 402.

[0214] Memory 404 is configured to store various types of data to support the operation of device 400. Examples of such data include instructions for any application or method operating on device 400, contact data, phonebook data, messages, pictures, videos, etc. Memory 404 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk.

[0215] Power supply component 406 provides power to various components of device 400. Power supply component 406 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power to device 400.

[0216] Multimedia component 408 includes a screen that provides an output interface between the device 400 and the user. In some embodiments, the screen may include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen may be implemented as a touchscreen to receive input signals from the user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensors may sense not only the boundaries of the touch or swipe action but also the duration and pressure associated with the touch or swipe operation. In some embodiments, multimedia component 408 includes a front-facing camera and / or a rear-facing camera. When the device 400 is in an operating mode, such as a shooting mode or a video mode, the front-facing camera and / or the rear-facing camera may receive external multimedia data. Each front-facing camera and rear-facing camera may be a fixed optical lens system or have focal length and optical zoom capabilities.

[0217] Audio component 410 is configured to output and / or input audio signals. For example, audio component 410 includes a microphone (MIC) configured to receive external audio signals when device 400 is in an operating mode, such as call mode, recording mode, and voice recognition mode. The received audio signals may be further stored in memory 404 or transmitted via communication component 416. In some embodiments, audio component 410 also includes a speaker for outputting audio signals.

[0218] I / O interface 412 provides an interface between processing component 402 and peripheral interface modules, such as keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to, home buttons, volume buttons, power buttons, and lock buttons.

[0219] Sensor assembly 414 includes one or more sensors for providing status assessments of various aspects of device 400. For example, sensor assembly 414 may detect the on / off state of device 400, the relative positioning of components such as the display and keypad of device 400, changes in the position of device 400 or a component of device 400, the presence or absence of user contact with device 400, the orientation or acceleration / deceleration of device 400, and temperature changes of device 400. Sensor assembly 414 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. Sensor assembly 414 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, sensor assembly 414 may also include an accelerometer, a gyroscope, a magnetometer, a pressure sensor, or a temperature sensor.

[0220] Communication component 416 is configured to facilitate wired or wireless communication between device 400 and other devices. Device 400 can access wireless networks based on communication standards, such as WiFi, 4G, or 5G, or combinations thereof. In one exemplary embodiment, communication component 416 receives broadcast signals or broadcast-related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, communication component 416 also includes a near-field communication (NFC) module to facilitate short-range communication. For example, the NFC module may be implemented based on radio frequency identification (RFID) technology, Infrared Data Association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

[0221] In an exemplary embodiment, the apparatus 400 may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field-programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic components to perform the methods described above.

[0222] In an exemplary embodiment, a non-transitory computer-readable storage medium including instructions is also provided, such as a memory 404 including instructions, which can be executed by a processor 420 of the device 400 to perform the above-described method. For example, the non-transitory computer-readable storage medium may be a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, and optical data storage device, etc.

[0223] A non-transitory computer-readable storage medium, when instructions in the storage medium are executed by a processor of a payment routing system, enables the payment routing system to perform a processing method applied to the payment routing system, the method comprising:

[0224] Upon detecting a transaction payment request, basic transaction information is extracted from the transaction payment request;

[0225] The basic transaction information is used to preprocess the list of payment channels obtained from the channel service, and candidate payment channels are determined from the list of payment channels;

[0226] According to the priority of each of the candidate routes, the candidate payment channels are filtered sequentially using the routing rules of each of the candidate routes, and the target payment channel is determined from the candidate payment channels.

[0227] Other embodiments of this disclosure will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of this disclosure that follow the general principles of this disclosure and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this disclosure are indicated by the following claims.

[0228] It should be understood that this disclosure is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this disclosure is limited only by the appended claims.

Claims

1. A processing method applied to a payment routing system, characterized in that, The payment routing system includes at least two alternative routes, each with a different priority, and the routing rules corresponding to alternative routes with different priorities are different; the method includes: Upon detecting a transaction payment request, basic transaction information is extracted from the transaction payment request; The basic transaction information is used to preprocess the list of payment channels obtained from the channel service, and candidate payment channels are determined from the list of payment channels; According to the priority of each of the candidate routes, the candidate payment channels are sequentially filtered using the routing rules of each of the candidate routes to determine the target payment channel; the filtering process includes multi-level filtering. The step of filtering the candidate payment channels according to the priority of each candidate route and using the routing rules of each candidate route in sequence includes: If the transaction payment request carries specified channel information, the specified channel information can be extracted from the transaction payment request; The user identifier carried in the designated channel information is compared with the route identifier of each of the candidate routes, and the candidate route whose route identifier matches the user identifier is designated as the designated route with first priority; wherein, the designated route has a designated routing rule; the user identifier includes the merchant number; The candidate payment channels are matched based on the specified routing rules. If the specified route is not found among the at least two alternative routes, or if the specified route exists among the at least two alternative routes but the target payment channel is not matched based on the specified route rule, then a basic route with a second priority is determined from the at least two alternative routes; wherein the basic route has basic route rules, and the second priority is lower than the first priority; The method further includes: The core transaction information in the transaction payment request is compared with the configuration information of each candidate payment channel according to the basic routing rules to obtain the weight score corresponding to each candidate payment channel. The basic routing rules configure different routing scores for different transaction information based on the attributes of different payment channels. The transaction information includes at least the transaction amount, card type, transaction type, and industry type. The weight score of a payment channel is the sum of the routing scores corresponding to each transaction information of that payment channel. The weight scores corresponding to each candidate payment channel are compared and processed, and the number of candidate payment channels that match the basic routing rules is determined based on the comparison results.

2. The method according to claim 1, characterized in that, The step of determining the target payment channel from the candidate payment channels includes: The candidate payment channels matched according to the specified routing rules will be determined as the target payment channel.

3. The method according to claim 2, characterized in that, The step of determining the candidate payment channels matched according to the specified routing rules as the target payment channel includes: The core transaction information in the transaction payment request is compared with the configuration information of the candidate payment channel according to the specified routing rules; wherein the configuration of the specified routing rules uniquely corresponds to the corresponding payment channel. If a candidate payment channel exists that matches the core transaction information, then the candidate payment channel that matches the core transaction information will be identified as the target payment channel.

4. The method according to claim 2, characterized in that, The step of determining the target payment channel from the candidate payment channels includes: If there is only one candidate payment channel that matches the basic routing rule, then the candidate payment channel that matches the basic routing rule will be determined as the target payment channel.

5. The method according to claim 4, characterized in that, The step of determining the target payment channel from the candidate payment channels includes: If there are at least two candidate payment channels that match the basic routing rules, then a combined route with a third priority is determined from the at least two candidate routes; wherein the combined route has a combined routing rule, and the third priority is lower than the second priority; A candidate payment channel set is generated based on at least two candidate payment channels that match the basic routing rules. The candidate payment channels matched from the candidate payment channel set according to the combined routing rules are determined as the target payment channels.

6. The method according to claim 5, characterized in that, The method further includes: If at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules, the preset priorities of the at least two candidate payment channels matched according to the combined routing rules are sorted to obtain a sorting result; wherein, the preset priority of the candidate payment channel is determined based on the stability rate and / or payment success rate of the candidate payment channel; Based on the sorting results, the target payment channel is determined.

7. A processing device for a payment routing system, characterized in that, The payment routing system includes at least two alternative routes, each with a different priority, and the routing rules corresponding to alternative routes with different priorities are different; the device includes: The information extraction module is configured to extract basic transaction information from the transaction payment request when a transaction payment request is detected. The preprocessing module is configured to preprocess the list of payment channels obtained from the channel service using the basic transaction information, and to determine candidate payment channels from the list of payment channels; The filtering module is configured to sequentially filter the candidate payment channels according to the priority of each candidate route and the routing rules of each candidate route, and determine the target payment channel from the candidate payment channels; the filtering process includes multi-level filtering. The filtering module is further configured to: extract the specified channel information from the transaction payment request when the transaction payment request carries specified channel information; compare the user identifier carried by the specified channel information with the route identifiers of each of the candidate routes; and designate the candidate routes whose route identifiers match the user identifiers as specified routes with a first priority; wherein the specified routes have specified routing rules; the specified routing rules perform matching processing on the candidate payment channels; the user identifier includes a merchant number; the filtering module is further configured to: determine a basic route with a second priority from the at least two candidate routes when the specified route does not exist in the at least two candidate routes, or when the specified route exists in the at least two candidate routes but the target payment channel is not matched based on the specified routing rules; wherein the basic route has basic routing rules, and the second priority is lower than the first priority; The comparison module is configured to compare the core transaction information in the transaction payment request with the configuration information of each candidate payment channel according to the basic routing rules, and obtain the weight score corresponding to each candidate payment channel; wherein, the basic routing rules configure different routing scores for different transaction information based on the attributes of different payment channels, and the transaction information includes at least transaction amount, card type, transaction type, and industry type; the weight score of the payment channel is the sum of the routing scores corresponding to each transaction information of the payment channel; The comparison module is configured to compare the weight scores corresponding to each of the candidate payment channels and determine the number of candidate payment channels that match the basic routing rules based on the comparison results.

8. The apparatus according to claim 7, characterized in that, The filtering module is configured as follows: The candidate payment channels matched according to the specified routing rules will be determined as the target payment channel.

9. The apparatus according to claim 8, characterized in that, The filtering module is configured as follows: The core transaction information in the transaction payment request is compared with the configuration information of the candidate payment channel according to the specified routing rules; wherein the configuration of the specified routing rules uniquely corresponds to the corresponding payment channel. If a candidate payment channel exists that matches the core transaction information, then the candidate payment channel that matches the core transaction information will be identified as the target payment channel.

10. The apparatus according to claim 8, characterized in that, The filtering module is configured to, when there is only one candidate payment channel that matches the basic routing rule, determine the candidate payment channel that matches the basic routing rule as the target payment channel.

11. The apparatus according to claim 10, characterized in that, The filtering module is configured as follows: If there are at least two candidate payment channels that match the basic routing rules, then a combined route with a third priority is determined from the at least two candidate routes; wherein the combined route has a combined routing rule, and the third priority is lower than the second priority; A candidate payment channel set is generated based on at least two candidate payment channels that match the basic routing rules. The candidate payment channels matched from the candidate payment channel set according to the combined routing rules are determined as the target payment channels.

12. The apparatus according to claim 11, characterized in that, The device further includes: The sorting module is configured to sort the at least two candidate payment channels matched from the candidate payment channel set according to the combined routing rules by a preset priority, and obtain a sorting result, when at least two candidate payment channels are matched from the candidate payment channel set according to the combined routing rules; wherein, the preset priority of the candidate payment channels is determined based on the stability rate and / or payment success rate of the candidate payment channels; The determination module is configured to determine the target payment channel based on the sorting results.

13. A processing device for a payment routing system, characterized in that, include: processor; Memory used to store processor-executable instructions; The processor is configured to, when executing, implement the steps of any of the processing methods applied to the payment routing system according to claims 1 to 6.

14. A non-transitory computer-readable storage medium, wherein instructions in the storage medium, when executed by a processor of a processing apparatus for a payment routing system, enable the apparatus to perform the steps of any of the processing methods for a payment routing system according to claims 1 to 6.

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